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Money Mentor vs. Financial Planner vs. Financial Advisor: Which is Best?

The new year brings a unique chance to change your future and financial situation. According to a recent survey by intelliflo, a cloud-based technology platform for financial advisors, 71% of Gen Z (ages 18-25) and 72% of Millennials (ages 26-41) say they want financial advice but don't know how to get it.

Financial Tips for Recent Graduates

Congratulations, graduates! As you transition into this new phase of life, managing your finances effectively is key to achieving your goals. Whether you're preparing to enter the workforce, further your education, or pursue other endeavors, now is the perfect time to focus on your financial well-being. Let's explore some essential tips for navigating financial success after graduation.

6 Steps to Creating a Great Financial Plan

The biggest mistake in financial planning is not having one. Creating a financial plan is not difficult, but it is daunting! We've broken down the six key steps to the financial planning process.

Ten Steps to Financial Wellness for Women

This comprehensive checklist covers key areas and provides a roadmap for women to manage finances effectively. Each step contributes to building a strong financial foundation, fostering empowerment, and securing a stable future.

Utilizing Financial Tools in Extraco eBank

Incorporate your Extraco accounts, external bank accounts, and manually added financials into our budgeting, savings, debt, and spending tools. Using Extraco eBank, we’ve made it easy for you to take a “big picture” look at your financial journey. Combine all of your accounts, non-Extraco included, to build out visual dashboards.

Planning a Side Hustle: What you need to think about before starting a side business

According to software company Zappier, 40% of Americans have a side hustle, and that number is growing. Planning a side hustle is a great way to pad your savings, pay down debt, save for a specific goal, or give you some extra wiggle room in your monthly budget. However, if you’re looking to add a side hustle, there are a few things you should know before you begin, and it starts with a plan.

Five Ways to Ring in National Financial Planning Month

October marks the beginning of a financial journey towards the holiday season. As we celebrate National Financial Planning Month, it's the perfect time to embrace the spirit of saving and planning for the festive months ahead.

3 Tips to Get the Most from Your Financial Advisor

Make 2023 your best year yet with a financial advisor’s help. But how do you ensure you get the most from their services? After all, hiring an advisor isn’t cheap and can set you back between $2,000 and $7,000 per year for those who charge a flat rate. Others, however, charge a percentage of your account.

Extraco Banks® to Sell Downtown Temple Financial Center and Build New Branch

Today, Extraco Banks® closed on the sale of its downtown Temple financial center to Austin investors, Redeem Investments, who plan to renovate the 10-story building that makes up part of the iconic Temple skyline. Extraco will build a new financial center across the street where its current motor bank is located today.

How to Get a Student Loan to Cover Financial Gaps from Scholarships

Making ends meet as a student when you’re not receiving enough financial aid from scholarships or grants can be challenging. Sometimes, it feels like there’s no way to make up the difference to get the funds you need. Grants and scholarships are an excellent start for funding your education, but they often don’t cover everything you need to get through a semester, let alone the entire school year. However, a student loan can help bridge that gap and get you the necessary funds.

Settling Financial Matters When a Loved One Passes

During the loss of a loved one, it can be hard to think straight and know how to unravel your loved one’s finances once he/she passes. It can feel overwhelming trying to deal with all the details. We've compiled a checklist of the typical duties of an executor when settling an estate.

Extraco Banks - Who We Are

Read our latest blog to learn more about what sets Extraco Banks apart from other central Texas banks. When you bank with Extraco, you bank with the best

How to Improve Your Credit Score

Your credit score is a three-digit number which helps lenders determine the risk of lending you money. If you aren’t getting approved for credit cards or loans, you may need to improve your credit score. Building your credit isn’t a speedy process, but there are several things you can do to start paving the way to a better credit score.

ICYMI– Best Practices for Business Finances

The importance of well-organized business finances cannot be overstated. Keeping accurate and well-organized financial data is critical for knowing the status of your business, tax season, and especially when seeking financing.

ICYMI– Bank & Brews Temple | Business Plans

A solid business plan is essential for all businesses. Jason Ehler of the Small Business Development Center and Brian Reinhardt of Extraco hosted a great session on what to include in your business plan (as well as what NOT to include), how often to revisit your plan after the COVID-19 pandemic, and resources that all business-owners should be utilizing.

Mortgage Refinance Calculator

How long will it take to break even on a mortgage refinance? Use the mortgage refinance calculator to sort through a multitude of factors including your current interest rate, the new potential rate, closing costs and how long you plan to stay in your home.

Spring Cleaning Your Finances

Just as you declutter your closets and tidy up your living space, now is the perfect time to give your financial situation a thorough once-over. At Extraco Banks, we understand the importance of keeping your financial house in order, which is why we've put together 10 simple, yet effective, tips and tricks to help you freshen up your finances.

Reviewing Loan Applications

When you apply for a loan at Extraco, we review your application information to help determine your credit worthiness. Key considerations: 1. Your credit score tells us your past performance in meeting your financial obligations. 2. Your credit report shows stability as well as borrowing behaviors.

How to Help Your Teenager Build Credit

Credit is the ultimate catch-22. To get credit, you must have a credit history. Young people wanting to establish themselves financially often find themselves in this conundrum. They've never had a credit card, haven't purchased their own vehicle and are not a home-owner. In other words, they're invisible to the credit bureaus. 

Why Investing in the Stock Market Should Be Your Next Money Move

It's the perfect time to reflect on our financial goals and set ourselves up for success. This year, why not make investing in the stock market your top resolution? Extraco gives you access to a digital investment solution, EasyInvest, directly via our digital banking platform. This way, you can invest like the top 1%, starting from as little as $10.

How Extraco Empowers Entrepreneurs to Manage Multiple Ventures

Extraco empowers entrepreneurs by providing the essential tools and support needed to manage multiple ventures effectively. From streamlining operations and simplifying financial management to offering strategic planning assistance, we are committed to supporting entrepreneurs so they can thrive without being held back.

Borrower Responsibilities

When you take out a loan, you enter into a legal contract with the lender. This contract makes you liable to repay the obligation as set forth in your loan agreement.

Extraco Banks® Begins Construction on New Downtown Temple Branch

Extraco Banks® announced on June 23, 2023, it will begin construction on its new Downtown Temple branch on July 10, 2023. The 2,400 square foot branch will have video teller technology, four drive through lanes and an outdoor seating area between the new bank building and Treno Pizzeria.

Bank & Brews Waco | Utilizing Google Web Tools in Your Small Business Marketing Strategy

Take a deep dive into some of the essential (and free) Google website tools that all businesses should be utilizing. For our August Bank & Brews workshop, Extraco’s own Digital Marketing Specialist, Carina Yebra, walked attendees through what she considers to be essential, and often underutilized, tools for all businesses– Google Analytics, Google Tag Manager, Google Search Console, and Google My Business. 

New Extraco Parking Plaza Is Now Open In Temple

The City of Temple is proud to announce the official opening of the Extraco Parking Plaza located at 1st Street in downtown Temple. The Extraco Parking Plaza is a brand new, state-of-the-art facility, set to provide convenient and secure parking options for residents, downtown employees, and visitors.

Calculating Your Debt-to-Income Ratios

Learn how to calculate your debt-to-income ratio (DTI) to estimate how much you can afford on your next mortgage. In addition to your credit score, your debt-to-income (DTI) ratios are looked at by closely by mortgage lenders when you apply for a loan. This ratio is extremely important in determining the risk associated with approval.